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Why Early 2026 May Be a Critical Window for Debt Recovery

January 27, 2026

In early 2026, many consumers may receive larger tax refunds than in previous years, temporarily improving household cash flow. Recent...

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Data Shows Early-Stage Outreach is Paying Off. Here’s What It Looks Like in 2026.

January 21, 2026

Early-stage outreach is proving to be one of the most effective ways to improve recovery outcomes in 2026. When accounts...

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Student Loan Wage Garnishment Is Back. Why It Matters Beyond Student Debt.

December 29, 2025

In early 2026, federal student loan wage garnishment resumes after a multi-year pause. For borrowers in default, that means a portion of...

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Does Early-Stage Outsourcing Improve Delinquency Outcomes?

December 19, 2025

Does Early-Stage Outsourcing Improve Delinquency Outcomes? Yes. Early-stage outsourcing helps lenders and credit unions improve recovery rates, reduce staff strain,...

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Two business people meeting at a table. Only their hands with pens are showing as they are looking at financial documents.

How Much Delinquency is Normal? A Simple Guide for Credit Unions and Lenders

December 10, 2025

Delinquency is one of the clearest indicators of how healthy a loan portfolio is, but it is also one of...

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How Credit Unions Can Handle Delinquency Spikes Without Hiring More Staff

November 20, 2025

Credit unions are seeing more volatility in delinquencies than they have in years. One month looks manageable and the next...

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How to Collect Past-Due Accounts When Consumers Are Struggling to Pay

November 7, 2025

A new report from the New York Federal Reserve — cited by ABC News — shows household debt in the...

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Collections is Broken, and It’s Not Because of Your Agents

October 17, 2025

Across banks, credit unions, and finance companies, collections are still divided into two worlds: first-party (internal) and third-party (outsourced). Operationally,...

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